Also tested was a four-asset model, with 25% each in large-cap U.S. stock, non-U.S. stock (represented by the MSCI EAFE Index), U.S. bonds and cash. It underperformed compared with the 60/40 model and finished with an ending account balance of $383,280 and an internal rate of return of 4.57% - just slightly ahead of the 50% bond/50% cash retirement portfolio.
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